3100 NW 30th St · Bell, FL 32619

$155,000

1 bd · 1.0 ba · 480 sqft · SingleFamily public records · 61 Days on market

Built 1974 4.85 ac lot $323/sqft · 70% above area Est $138k · 12% over

---

Why this score? — see what drove the C- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +18.0/30.0
• Appreciation +10.0/10.0
• DSCR +5.6/10.0
• Schools +5.3/10.0
• 1% rule +3.7/10.0
• Livability +3.1/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• ARV discount +2.1/15.0

Listing remarks MLS

Opportunity meets potential on this 4.85-acre property in the town of Bell, located in Gilchrist County, Florida. Mostly wooded and rich with natural privacy, this parcel offers a peaceful rural setting with plenty of room to spread out, explore, and create your vision. The property includes a fixer-upper single wide manufactured home along with a 480 sq ft workshop. With utilities already connected and active—saving you time and upfront expense as you plan your next steps. Whether you’re looking to renovate, replace with a new home, or use the existing structure while you build, the infrastructure is in place to get you started. With no HOA, you’ll enjoy the freedom and flexibility that’s increasingly hard to find. Bring your animals, park your equipment, start a garden, or design the homestead you’ve been dreaming about. The wooded acreage provides both privacy and potential, while still being conveniently located within a short drive to local amenities and the natural beauty that Gilchrist County is known for. If you’ve been searching for affordable acreage with utilities in place and room to make it your own, this Bell property is full of possibility.

Key facts

• 480 sq ft workshop
• 4.85 acre property
• No hoa

Tags

• 4.85 ACRE PROPERTY
• WOODED ACREAGE
• 480 SQ FT WORKSHOP
• UTILITIES ALREADY CONNECTED
• NO HOA
• PEACEFUL RURAL SETTING

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath single-family listed at $155k.

Deal economics

• At list price, monthly cash flow is $132 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $135k (13.1% below list).
• Recommended offer: $135k (13.1% below list) — sets the bar for 1% rule.
• Cap rate 7.3% vs local median 4.8% in Bell — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 62/100 on livability (#767 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: crime D, health & safety D, amenities F.
• Gilchrist (rural): math 66% / reading 61% proficiency, ranked #9 of 73 in FL (top 12%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 112 active listings in the ZIP; 94 units permitted in Gilchrist County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $17k of equity ($1k loan paydown + $15k appreciation (10.0% local appreciation)).
• Gilchrist County population projected to shrink 6% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $43k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 3, paydown + projected appreciation supports a ~$42k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 61 days — a 6% lower offer ($146k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $18k; list at $155k implies a 761% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 6→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $134,662 (13.1% below list)

Questions for the listing agent

1. It's been on market 61 days. Have you received any prior offers? Is the seller open to a 13% concession, seller financing, or rate buy-down credit?
2. Built in 1974 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Crime grade is D in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
6. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
7. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
8. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.87% ✗
• Cap rate: 7.32%
• Cash-on-cash: 3.65%
• DSCR: 1.16
• GRM: 9.6

CMA / ARV

• ARV (median comp): $138,399
• List price: $155,000
• Delta: 11.99%
• Verdict: OVERPRICED
• Comps: 3 within 2.0 mi

Projected returns pro-forma

9.98% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 26.9%
• Equity multiple: 3.13×
• Total profit: $92,509
• Equity at exit: $139,362

10-year hold

• IRR: 23.5%
• Equity multiple: 7.12×
• Total profit: $265,606
• Equity at exit: $300,247

Cash invested: $43,400 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Florida: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

ZIP-level market 32619

• Home prices YoY: 2.5%
• Active inventory: 112
• Price-to-rent: 9.6×

Monthly cashflow live

• Estimated rent: $1,347 medium
• Mortgage (P&I): −$813
• Tax from tax record: −$54 /mo · $651/yr
• Insurance: −$65
• HOA: −$0
• Vacancy / Maint / Mgmt: −$283
• Net cashflow: $132

Break-even live

Break-even rent $1,179

Max offer price $155,000

Occupancy floor 85%

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $38,750
• Closing costs: $4,650
• Reserves months: —
• Total cash needed: —

Listing history 13 events

1. 2026-06-10
   days on market $155,000 Active 61 DOM
2. 2026-06-09
   days on market $155,000 Active 60 DOM
3. 2026-06-08
   days on market $155,000 Active 59 DOM
4. 2026-06-07
   days on market $155,000 Active 58 DOM
5. 2026-06-05
   days on market $155,000 Active 55 DOM
6. 2026-06-02
   days on market $155,000 Active 53 DOM
7. 2026-06-01
   days on market $155,000 Active 52 DOM
8. 2026-05-31
   days on market $155,000 Active 51 DOM
9. 2026-05-30
   days on market $155,000 Active 50 DOM
10. 2026-05-19
    price $155,000 1209-char remark

    Show marketing remark (1209 chars)

    Opportunity meets potential on this 4.85-acre property in the town of Bell, located in Gilchrist County, Florida. Mostly wooded and rich with natural privacy, this parcel offers a peaceful rural setting with plenty of room to spread out, explore, and create your vision. The property includes a fixer-upper single wide manufactured home along with a 480 sq ft workshop. With utilities already connected and active—saving you time and upfront expense as you plan your next steps. Whether you’re looking to renovate, replace with a new home, or use the existing structure while you build, the infrastructure is in place to get you started. With no HOA, you’ll enjoy the freedom and flexibility that’s increasingly hard to find. Bring your animals, park your equipment, start a garden, or design the homestead you’ve been dreaming about. The wooded acreage provides both privacy and potential, while still being conveniently located within a short drive to local amenities and the natural beauty that Gilchrist County is known for. If you’ve been searching for affordable acreage with utilities in place and room to make it your own, this Bell property is full of possibility.

11. 2026-04-12
    price $159,000 1209-char remark

    Show marketing remark (1209 chars)

    Opportunity meets potential on this 4.85-acre property in the town of Bell, located in Gilchrist County, Florida. Mostly wooded and rich with natural privacy, this parcel offers a peaceful rural setting with plenty of room to spread out, explore, and create your vision. The property includes a fixer-upper single wide manufactured home along with a 480 sq ft workshop. With utilities already connected and active—saving you time and upfront expense as you plan your next steps. Whether you’re looking to renovate, replace with a new home, or use the existing structure while you build, the infrastructure is in place to get you started. With no HOA, you’ll enjoy the freedom and flexibility that’s increasingly hard to find. Bring your animals, park your equipment, start a garden, or design the homestead you’ve been dreaming about. The wooded acreage provides both privacy and potential, while still being conveniently located within a short drive to local amenities and the natural beauty that Gilchrist County is known for. If you’ve been searching for affordable acreage with utilities in place and room to make it your own, this Bell property is full of possibility.

12. 2026-04-10
    listed $149,000 Active 1209-char remark

    Show marketing remark (1209 chars)

    Opportunity meets potential on this 4.85-acre property in the town of Bell, located in Gilchrist County, Florida. Mostly wooded and rich with natural privacy, this parcel offers a peaceful rural setting with plenty of room to spread out, explore, and create your vision. The property includes a fixer-upper single wide manufactured home along with a 480 sq ft workshop. With utilities already connected and active—saving you time and upfront expense as you plan your next steps. Whether you’re looking to renovate, replace with a new home, or use the existing structure while you build, the infrastructure is in place to get you started. With no HOA, you’ll enjoy the freedom and flexibility that’s increasingly hard to find. Bring your animals, park your equipment, start a garden, or design the homestead you’ve been dreaming about. The wooded acreage provides both privacy and potential, while still being conveniently located within a short drive to local amenities and the natural beauty that Gilchrist County is known for. If you’ve been searching for affordable acreage with utilities in place and room to make it your own, this Bell property is full of possibility.

13. 1992-07-01
    soldstatus $18,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast FL · Resets to sale price

• Current annual tax: $651 · $54/mo
• Projected year-2 tax: $1,286 · $107/mo
• Expected delta: +$635/yr (+$53/mo · 97.5%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 7/10 Severe
• 🌡 Heat 8/10 Severe 6 d/yr ≥108°F today · 18 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,159
• − Mortgage interest: −$8,682
• − Property taxes: −$651
• − Insurance: −$775
• − Repairs & maintenance: −$1,293
• − Management: −$1,293
• − Depreciation: −$4,509
• Taxable loss: −$1,044
• Est. tax savings @ 24.0%: +$251
• After-tax cash flow: $1,836/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Gilchrist
• NCES district ID: 1200630
• Math proficiency: 66% ▼ -4.00%
• Reading proficiency: 61% ▼ -5.00%
• Median HH income: $39,610
• Composite: 53.01/100
• National rank: #1522
• State rank: #9 of 73 in FL

Livability — Bell

• Score: 62/100
• State rank: #767
• US rank: #17229

Category grades

Amenities F Commute F Cost of living A+ Crime D Employment F Housing A+ Health & safety D User ratings D+

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 5,227
• Population (ZIP): 5,227

Population outlook (Gilchrist County) Hauer SSP2

• Today (2025): 17,730 people
• By 2030: 17,722 · +-0.0%
• By 2040: 17,393 · -1.9%
• By 2050: 16,597 · -6.4%
• By 2075: 14,300 · -19.3%
• By 2100: 11,498 · -35.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (90%)
• Race & ethnicity: White 90% Hispanic / Latino 7% Two or more races 4%
• Hispanic origin (detail): Mexican 3%
• Common ancestry: Lithuanian 9% Romanian 3% Scotch-Irish 2%
• Foreign-born: 7% · Canada
• Languages at home: 93% English-only · Spanish 4% German/W. Germanic 2% Tagalog/Filipino 1%

Political lean MEDSL · Gilchrist

• 2024 margin: Solid R (+68.0) · D 15.6% · R 83.6%
• 2008→2024 swing: -21.2pp toward R · 2008: -46.8pp · 2024: -68.0pp
• All cycles: 2024: R+68.0 2020: R+64.0 2016: R+62.8 2012: R+51.0 2008: R+46.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 9.98%
• Current HPI: 404.4164
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

+761.1% since first listed

4 events — show timeline

• 2026-05-19 Price Changed $155,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-12 Price Changed $159,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-10 Listed $149,000 Stellar MLS as Distributed by MLS Grid
• 1992-07-01 Sold (Public Records) $18,000 Public Records

Property tax history

+0.7%/yr

Latest (2025): $651 · +0.5% YoY. Source: county tax records.